@import url('https://fonts.googleapis.com/css2?family=Poppins:wght@100;200;300;400;500;600;700;800;900&display=swap');

@font-face {
    font-family: Nexa;
    src: url("../lib/fonts/Nexa Light.otf") format("opentype");
}

@font-face {
    font-family: Nexa Bold;
    font-weight: bold;
    src: url("../lib/fonts/Nexa Bold.otf") format("opentype");
}

@font-face {
    font-family: Avenir;
    src: url("../lib/fonts/Avenir Book.ttf") format('truetype');
}

@font-face {
    font-family: Avenir Italic;
    src: url("../lib/fonts/Avenir-Italic.ttf") format("truetype");
}

@font-face {
    font-family: BebasBook;
    src: url("../lib/fonts/Bebas Neue Book.ttf") format("truetype");
}

:root {
    /* BL */
    --main-bg-color: #262626;
    --secondary-bg-color: #7A9A83;
    --third-bg-color: #0B4936;
    --main-progress-bar: #020304;
    --secondary-progress-bar: #5185D0;
    --choice-button-no: #334052;
    --slider-bg-color: #E4E9EB;
    --slider-text-color: #334052;
    /* Button colors */
    --button-bg-color: #7A9A83;
    --button-hover-color: #4F6354;
    --button-click-color: #4F6354;
    /* TLE Website Specific */
    --light-blue: #90BBD6;
}

html, body {
    /*font-family: 'Poppins', sans-serif;*/
    font-family: Nexa;
    overflow-x: hidden;
}

@media (min-width: 768px) {
  html {
    font-size: 16px;
  }
}

html {
  position: relative;
  min-height: 100%;
}

.h1, .h2, .h3, .h4, .h5, .h6, h1, h2, h3, h4, h5, h6 {
    font-weight: bold;
}

body {
    background-color: var(--main-bg-color);
    background-repeat: no-repeat;
    background-position-x: center;
}

.error {
    color: #dc3545 !important;
    font-weight: bold;
}

.fw-400 {
    font-weight: 400 !important;
}

.bg-1 {
    background-image: url("../images/tree-bg-2.jpeg");
}

.bg-2 {
    background-image: url("../images/tree-bg-5.jpeg");
}

.hidden {
    display: none !important;
}

header {
    position: sticky;
    top: 0px;
    z-index: 10;
}

footer {
    color: white !important;
    background-color: var(--third-bg-color) !important;
}

.footer {
    position: relative !important;
    white-space: normal !important;
    line-height: 20px !important;
}

.footer-menu {
    color: #fff !important;
}

.footer-menu a {
    color: #fff !important;
}

.footer-phone {
    text-decoration: none;
}

    .footer-phone:hover {
        text-decoration: underline !important;
    }

    nav {
        background-color: #262626;
        z-index: 2;
    }

.footer-disclosure img {
    width: inherit;
    max-width: 1152px !important;
}

.navbar {
    display: inherit !important;
    font-size: 1.1rem;
    padding: .8rem 0;
}

.navbar-brand {
    color: #fff !important;
    margin-right: 0px !important;
}

.nav-link {
    color: #fff !important;
    margin: 0px 20px;
    font-weight: 600;
}

.navbar-dropdown-menu .dropdown-item {
    color: #ffffff !important;
    background: transparent !important;
    padding: 16px 20px; /* 16px vertical, 20px horizontal */
    font-size: 1rem;
    text-align: center;
    white-space: nowrap;
    border: none !important;
    position: relative; /* required for the ::before separator */
}

    .navbar-dropdown-menu .dropdown-item:hover,
    .navbar-dropdown-menu .dropdown-item:focus {
        background: rgba(255, 255, 255, 0.1) !important;
        color: #ffffff !important;
    }

.navbar-dropdown-menu li {
    position: relative;
}

    /* 2) For every <li> that immediately follows another <li>, insert a ::before on its <a> */
    .navbar-dropdown-menu li + li > .dropdown-item::before {
        content: "";
        position: absolute;
        top: -9px; /* adjust vertical placement as needed */
        left: 25%; /* start 25% in from the left edge of the <a> */
        width: 50%; /* span exactly half of the <a>’s width */
        height: 1px; /* thin horizontal line */
        background: rgba(255, 255, 255, 0.3);
    }

.dropdown-menu.show {
    margin-bottom: 30px;
}

.navbar-dropdown-menu {
    background: rgba(0, 0, 0, 0.85) !important;
    border: none !important;
    border-radius: 0 !important;
    box-shadow: none !important;
    padding: 0 !important;
    min-width: 180px;
    z-index: 1050; /* above most other elements */
    margin-top: 30px !important; /* drop down 30px from the navbar */
    margin-bottom: 0;
}

    /* Remove the default Bootstrap caret/arrow if present */
    .navbar-dropdown-menu::before {
        display: none;
    }


.main-body {
    margin-top: -19px;
}

#treeSection {
    height: min(730px, 750px);
}

.card-section {
    z-index: 2;
    position: relative;
}
/* Gutter Section */
    .gutter-section-left, .gutter-section-right {
    z-index: 1;
    position: relative;
    width: 100%;
}

.gutter-leaf {
    max-width: 180px;
    position: sticky;
    top: 0px;
    z-index: 1;
}

    .gutter-leaf img {
        width: 100%;
        max-width: 180px;
        height: auto;
    }

.slider-card {
    background-color: var(--slider-bg-color);
    padding: 0px !important;
    margin: 0px !important;
    color: #394656;
}

.slider-card-header {
    background-color: var(--secondary-bg-color);
    color: #fff;
    border: 1px solid transparent;
    border-radius: 4px;
    padding-top: 10px;
}

.slider-arrow-left {
    width: 100%;
    float: left;
    height: 30px;
    background: linear-gradient(to bottom left, #7A9A83 0%, #7A9A83 50%, #E4E9EB 50%, #E4E9EB 100%);
    border-style: solid;
    border-width: 0 344px 30px 0;
    border-color: transparent #7A9A83 transparent transparent;
}

.slider-arrow-right {
    width: 100%;
    float: right;
    height: 30px;
    background: linear-gradient(to bottom left, #7A9A83 0%, #7A9A83 50%, #E4E9EB 50%, #E4E9EB 100%);
    border-style: solid;
    border-width: 30px 344px 0 0;
    border-color: #7A9A83 transparent transparent transparent;
}

.slider-card-text {
    color: #394656;
}

/* Slider CSS */
.slidecontainer {
    width: 100%; /* Width of the outside container */
}

/* The slider itself */
.slider {
    -webkit-appearance: none; /* Override default CSS styles */
    padding: 0px !important;
    appearance: none;
    width: 100%; /* Full-width */
    height: 15px;
    border-radius: 5px;
    background: #d3d3d3; /* Grey background */
    outline: none; /* Remove outline */
    opacity: 0.7; /* Set transparency (for mouse-over effects on hover) */
    -webkit-transition: .2s; /* 0.2 seconds transition on hover */
    transition: opacity .2s;
}

    /* Mouse-over effects */
    .slider:hover {
        opacity: 1; /* Fully shown on mouse-over */
    }

    /* The slider handle (use -webkit- (Chrome, Opera, Safari, Edge) and -moz- (Firefox) to override default look) */
    .slider::-webkit-slider-thumb {
        -webkit-appearance: none; /* Override default look */
        appearance: none;
        width: 25px; /* Set a specific slider handle width */
        height: 25px;
        border-radius: 50%;
        background: #194675; /* Green background */
        cursor: pointer; /* Cursor on hover */
    }

    .slider::-moz-range-thumb {
        width: 25px; /* Set a specific slider handle width */
        height: 25px;
        border-radius: 50%;
        background: #194675; /* Green background */
        cursor: pointer; /* Cursor on hover */
    }

.slider-text {
    width: 100%;
    color: #000;
    margin-bottom: 0.1rem;
    font-size: 14px;
}

.loan-amount-header {
    text-align: center;
    font-size: 16px
}

.loan-amount {
    background-color: #262626;
    text-align: center;
    font-size: 34px;
    padding: 5px;
    color: #fff;
    border-radius: 8px;
}

.dnl-section {
    display: none;
}

.midsection-container {
    z-index: 5;
    position: relative;
    margin-top: -80px;
}

@media only screen and (max-width: 600px) {
    .midsection-container {
        margin-top: 80px;
    }
}

.midsection-content {
    background-color: #FFF;
    color: #000;
}

.midsection-arrow-left {
    height: 0;
    border-style: solid;
    border-width: 100px 0 0 50vw;
    border-color: transparent transparent transparent #FFF;
}

.midsection-arrow-right {
    height: 0;
    border-style: solid;
    border-width: 0 0 100px 49vw;
    border-color: transparent transparent #FFF transparent;
}

.oi-installment-bg {
    background-color: #262626 !important;
    color: #fff;
}

    .oi-installment-bg img {
        max-width: 450px;
        width: 100%;
        height: auto;
        margin: 0px auto;
    }

.oi-loan-arrow-left {
    height: 0;
    border-style: solid;
    border-width: 100px 0 0 49vw;
    border-color: #fff #fff #fff #262626;
}

.oi-loan-arrow-right {
    height: 0;
    border-style: solid;
    border-width: 0 0 100px 49vw;
    border-color: #fff #fff #262626 #fff;
}

.emergency-bg {
    background-color: var(--light-blue) !important;
    color: #fff !important;
}

.emergency-bg img {
    max-width: 593px;
    width: 100%;
    height: auto;
    margin: 0px auto;
}

.emergency-arrow-left {
    height: 0;
    border-style: solid;
    border-width: 100px 0 0 49vw;
    border-color: #262626 #262626 #262626 #90BBD6;
}

.emergency-arrow-right {
    height: 0;
    border-style: solid;
    border-width: 0 0 100px 49vw;
    border-color: #262626 #262626 #90BBD6 #262626;
}

.oi-loans-safe {
    color: white;
    background-color: var(--main-bg-color);
}

    .oi-loans-safe .card-body {
        color: black !important;
    }

.about-bg {
    width: 100%;
    height: 300px;
    background-image: url(../images/tree-bg-5.jpeg);
    background-repeat: no-repeat;
    background-size:cover;
    background-position-x: center;
    background-color: #fff;
}

.vip-bg {
    width: 100%;
    background-color: #fff;
}

.header-bg {
    padding: 5px 0px;
    border: 1px solid transparent;
    border-radius: 4px;
    background-color: rgba(64, 64, 64, .8);
}

.faq-bg {
    width: 100%;
    height: 300px;
    background-image: url(../images/FAQ-BG.jpeg);
    background-repeat: no-repeat;
    background-position-x: center;
    background-color: #EDDBC3;
}

.contact-bg {
    width: 100%;
    height: 300px;
    background-image: url(../images/contact-bg-2.jpeg);
    background-repeat: no-repeat;
    background-size: cover;
}

.partial-body {
    min-height: 400px;
    background-color: white;
}

.login-bg {
    width: 100%;
    height: 500px;
    background-image: url(../images/login-bg.jpeg);
    background-repeat: no-repeat;
    background-size: cover;
}

.bl-bg {
    background-color: var(--light-blue);
    height: 300px;
}

.bl-bg-fb {
    background-color: var(--light-blue);
    height: 160px;
}

.avail-rates-bg {
    width: 100%;
    height: 300px;
    background-image: url(../images/tree-bg-2.jpeg);
    background-repeat: no-repeat;
    background-size: cover;
    background-position-x: center;
    background-color: #fff;
}

.cta-bg {
    background-color: var(--light-blue);
    height: 200px;
}

/* Custom Table */
.table-privacy {
    border: 1px solid;
    border-color: var(--third-bg-color);
}

    .table-privacy th {
        background-color: var(--third-bg-color);
        font-weight: bold;
        color: #FFF;
        border: 1px solid;
        border-color: var(--secondary-bg-color);
        padding: 2rem;
        font-size: 1.2em;
        vertical-align: middle;
    }

    .table-privacy td {
        vertical-align: middle;
        padding: 2rem;
        border: 1px solid;
        border-color: var(--third-bg-color);
    }

    .table-privacy.table-bold td:first-of-type{
        font-weight: bold;
    }

    /* Button Css */
    .btn-cust {
        background-color: var(--button-bg-color);
        font-weight: 600 !important;
        color: white;
        text-transform: uppercase;
    }

    .btn-cust:hover {
        background-color: var(--button-hover-color);
        color: white;
    }

    .btn-cust.btn-sm {
        font-weight: 400;
    }

/* Custom Text CSS */
.x-sm {
    font-size: .8em;
}

/* Custom Sticky Section */
.sticky-container {
    background-color: #F5F5F9;
}

.sticky-container-hidden {
    position: sticky !important;
    z-index: 10;
}

.sticky-container-table {
    background-color: #fff !important;
}

.sticky-container-full {
    position: sticky !important;
    z-index: 10;
}

.sticky-full-fixed {
    left: 20px;
    min-height: 35px;
    background-color: #90BBD6 !important;
    z-index: 3;
    position: fixed !important;
    border: 1px;
    border-color: #D8E9F2;
    border-style: hidden solid solid;
    box-shadow: 0 .2rem .1rem rgb(0 0 0 / 15%) !important;
    border-radius: 4px;
}

.sticky-hidden {
    display: none;
}

.sticky-within {
    background-color: #fff !important;
    position: sticky !important;
}

.money-waiting {
    background-color: var(--secondary-bg-color) !important;
}


/* Bootstrap Overrides */
.accordion-button:not(.collapsed) {
    color: #FFF;
    background-color: #262626;
    box-shadow: inset 0 -1px 0 rgb(0 0 0 / 13%);
}

/* Page Specific CSS */
/* Offer */
.offer-number {
    background-color: var(--light-blue);
    color: white;
    font-size: 4em;
    text-align: center;
    border: 1px solid var(--light-blue);
    border-radius: 4px;
}

/*How Can We Help*/
.help-container .nav-link {
    color: black !important;
    font-size: 1.1em;
}

/* Trust Pilot Review */
.trust-pilot-star {
    
}

.trust-pilot-star:hover {
    cursor: pointer;
}

[class*="star-"] {
    background-color: #DCDCE5;
    width: 40px;
}

.star-1-color-selected {
    background-color: #FE3A2C;
}

.star-2-color-selected {
    background-color: #FFCE37;
}

.star-3-color-selected {
    background-color: #FE8735;
}

.star-4-color-selected {
    background-color: #75CF36;
}

.star-5-color-selected {
    background-color: #11B67D;
}

.star-hover-color-1 {
    background-color: #FE3A2C !important;
}

.star-hover-color-2 {
    background-color: #FFCE37 !important;
}

.star-hover-color-3 {
    background-color: #FE8735 !important;
}

.star-hover-color-4 {
    background-color: #75CF36 !important;
}

.star-hover-color-5 {
    background-color: #11B67D !important;
}

.review-tb {
    width: 100%;
    height: 200px;
}

/* About Page */
.license-img {
    width: 100%;
    max-width: 695px;
    height: auto;
}

/* Animations */
.bounce {
    animation: bounce 2s linear infinite;
}

@keyframes bounce {
    0% {
        transform: translateY(0px);
    }

    25% {
        transform: translateY(-10px);
    }

    50% {
        transform: translateY(0px);
    }

    75% {
        transform: translateY(10px);
    }

    100% {
        transform: translateX(0px);
    }
}


/* VIP Page */
.vip-header-1 {
    text-transform: uppercase;
    font-size: 22px;
}

.vip-header-2 {
    color: var(--third-bg-color);
    font-size: 40px;
    font-weight: 900;
    font-family: 'Nexa Bold';
    line-height: 40px;
}

.vip-h3 {
    text-transform: uppercase;
    font-family: 'Nexa Bold';
}

.bolder {
    font-family: 'Nexa Bold';
}

.vip-blue {
    background-color: #8DBBD6;
}

.vip-how-green {
    border-radius: 4px;
    max-height: 200px;
    width: 100%;
    background-color: var(--third-bg-color);
    color: white;
}

.vip-how-green > img {
    max-width: 100px;
}

.vip-green {
    background-color: var(--third-bg-color);
    color: white;
}

.vip-circle {
    border-radius: 50%;
    width: 200px;
    height: 200px;
    border-color: #D3B256;
}

.vip-card {
    min-height: 240px;
    max-height: 340px;
}

.vip-card > .card-body {
    padding-top: 0px !important;
}

.vip-card-last {
    background-color: #EAD09F !important;
}

.vip-customer-feedback {
    background-color: #D3B256 !important;
}

.vip-card-feedback {
    height: 250px;
}

.carousel-control-next, .carousel-control-prev {
    position: unset !important;
    top: 0;
    bottom: 0;
    z-index: 1;
    display: inline-block !important;
    align-items: center;
    justify-content: center;
    width: 15%;
    padding: 0;
    color: #fff;
    text-align: center;
    background: 0 0;
    border: 0;
    opacity: .5;
    transition: opacity .15s ease;
}

.btn-see-more-faqs {
    background-color: white !important;
    border: 3px solid #799A83;
    font-family: 'Nexa Bold';
}

.vip-faq {
    background-color: #ECEDE9;
}

.vip-accordion-button {
    font-family: 'Nexa Bold';
}

.vip-accordion-button:not(.collapsed) {
    background-color: var(--third-bg-color) !important;
}

.vip-accordion-button:is(.collapsed) {
    background-color: var(--main-bg-color) !important;
    color: white !important;
}

.vip-accordion-button:not(.collapsed)::after {
    background-image: url('../images/VIP/BirchRewards-FAQ-arrow-down.png') !important;
    background-repeat: no-repeat !important;
    transform: none !important;
    background-size: 2.25rem;
    width: 2.25rem;
    height: 2.25rem;
}

.vip-accordion-button:is(.collapsed)::after {
    background-image: url('../images/VIP/BirchRewards-FAQ-arrow-right.png') !important;
    background-repeat: no-repeat !important;
    transform: rotate(-180deg);
    background-size: 2.25rem;
    width: 2.25rem;
    height: 2.25rem;
}

.nav-link-vip {
    color: black !important;
}

.fs-20 {
    font-size: 20px;
}

.image-24-7-wrapper {
    z-index: 100;
}

    .image-24-7-wrapper img {
        width: 120px;
    }

@media (max-width: 768px) {
    .image-24-7-wrapper img {
        width: 60px;
    }
}

.image-24-7-image {
    z-index: 100;
    position: fixed;
    right: 0px;
}

/* ───────────────────────────────────────────────────────────────── */
/* 1) HOME HERO: static forest BG, flex‑centered content             */
/* ───────────────────────────────────────────────────────────────── */
.home-hero {
    position: relative;
    width: 100%;
    /* instead of fixed height, use min-height */
    min-height: 100vh;
    /* allow the content to overflow/scroll */
    overflow: visible;
    display: flex;
    align-items: center; /* vertical center when there’s room */
    justify-content: center; /* horizontal center */
    background: url('../images/birch-forest-fallback.jpg') no-repeat center center;
    background-size: cover;
    margin-bottom: 40px;
}

/* ───────────────────────────────────────────────────────────────── */
/* 1A) MAN+MOUNTAIN VIDEO INSIDE CARD (top portion of .hero-card)   */
/* ───────────────────────────────────────────────────────────────── */
.card-video-wrapper {
    width: 100%;
    height: 200px; /* fixed height—adjust if needed */
    overflow: hidden;
    border-top-left-radius: 6px;
    border-top-right-radius: 6px;
    position: relative;
}

.card-video {
    width: 100%;
    height: 100%;
    object-fit: cover; /* cover the wrapper entirely */
    display: block;
}

/* ───────────────────────────────────────────────────────────────── */
/* 2) HERO CONTENT (z‑index above forest)                            */
/* ───────────────────────────────────────────────────────────────── */
.hero-content {
    position: relative;
    z-index: 2;
    width: 90%;
    max-width: 600px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    align-items: center;
}

/* ───────────────────────────────────────────────────────────────── */
/* 3) HERO CARD (bottom green section)                                */
/* ───────────────────────────────────────────────────────────────── */
.hero-card {
    background-color: #7c9582; /* green-gray */
    border-radius: 0px;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.25);
    color: #ffffff;
    width: 100%;
    /* Note: top corners are clipped by .card-video-wrapper’s border-radius */
}

/* 3A) GREEN CONTENT (= TITLE + BENEFITS + BUTTON)                    */
.green-content {
    padding: 24px 20px 16px 20px; /* top, sides, smaller bottom padding */
}

/* 3A.i) HERO TITLE */
.hero-title {
    font-size: 1.6rem;
    font-weight: 600;
    line-height: 1.2;
    margin-bottom: 12px;
}

/* ───────────────────────────────────────────────────────────────── */
/* 4) HERO GRID: stacked on mobile, two columns on desktop            */
/* ───────────────────────────────────────────────────────────────── */
.hero-grid {
    display: flex;
    flex-direction: column;
    gap: 15px;
    margin-bottom: 20px;
}

/* 4A) LEFT COLUMN: Title + Subtitle                                  */
.hero-left {
    width: 100%;
}

.hero-subtitle {
    color: #ffffff;
    font-size: 15px;
    line-height: 1.4;
    margin: 0;
    text-align: left;
}

/* 4B) VERTICAL DIVIDER (desktop only ≥992px)                           */
.hero-separator {
    width: 1px;
    background-color: #ffffff; /* fully opaque white */
    align-self: stretch;
    margin: 0 23px;
}

/* 4C) RIGHT COLUMN: BENEFITS                                          */
.hero-right {
    display: flex;
    flex-direction: column;
    gap: 12px;
    /* ensure each card stretches to the container’s edge */
    align-items: stretch;
}

/* 4C.i) BENEFIT CARD (white on desktop, transparent on mobile)         */
.benefit-card {
    height: 35px;
    padding: 0 20px; /* no vertical padding, only horizontal */
    display: flex;
    align-items: center; /* vertical centering */
    position: relative;
    background: #fff;
    border-top-left-radius: 24px;
    border-top-right-radius: 5px;
    border-bottom-right-radius: 5px;
    border-bottom-left-radius: 24px;
    margin-bottom: 8px;
}

/* ───────────────────────────────────────────────────────────────── */
/* BENEFIT ICON: Dark-green circle with centered white SVG           */
/* ───────────────────────────────────────────────────────────────── */
.benefit-icon {
    position: absolute;
    left: -9px; /* half of your 32px icon */
    top: 50%;
    transform: translateY(-50%);
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background: #255231; /* keep your dark-green bg */
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 1;
}

    /* Force each inner <svg> to 16×16 px, and make all strokes/fills white */
    .benefit-icon img {
        width: 32px;
        height: 32px;
    }

/* ───────────────────────────────────────────────────────────────── */
/* BENEFIT TEXT: to the right of each icon                           */
/* ───────────────────────────────────────────────────────────────── */
.benefit-text-wrapper {
    display: flex;
    flex-direction: column;
    flex: 1; /* fill remaining space */
    margin-left: 12px; /* keep some gap from the icon */
}

/* your existing styles, unchanged: */
.benefit-text {
    color: #255231;
    font-weight: 600;
    font-size: 0.95rem;
    margin: 0;
    white-space: nowrap;
}

.benefit-subtext {
    color: #255231;
    font-weight: 600;
    font-size: 11px;
    margin-top: -5px;
}

/* ───────────────────────────────────────────────────────────────── */
/* MOBILE OVERRIDE (<992px): No white card, smaller padding          */
/* ───────────────────────────────────────────────────────────────── */
@media (max-width: 991.98px) {
    .benefit-card {
        background-color: transparent; /* Remove white background on mobile */
        padding: 8px 0; /* Less vertical padding on phone */
        gap: 8px; /* Slightly less gap on mobile */
    }
}

/* On mobile, remove the white card background */
@media (max-width: 991.98px) {
    .benefit-card {
        background-color: transparent;
        padding: 8px 0;
        gap: 8px;
    }
}

/* ───────────────────────────────────────────────────────────────── */
/* 5) “APPLY NOW” BUTTON                                                */
/* ───────────────────────────────────────────────────────────────── */
.btn-apply-now {
    display: block;
    width: 200px;
    background-color: #d4ad61;
    border: none;
    border-radius: 4px;
    color: #ffffff;
    font-weight: 600;
    font-size: 1rem;
    text-transform: uppercase;
    padding: 12px 0;
    margin-top: 8px;
    margin-left: 175px;
    cursor: pointer;
    transition: background-color 0.2s ease;
}

    .btn-apply-now:hover {
        background-color: #c79956;
    }

/* ───────────────────────────────────────────────────────────────── */
/* 6) VIP MOBILE BOX (<992px)                                           */
/* ───────────────────────────────────────────────────────────────── */
.vip-mobile-card {
    background-color: #ffffff;
    border-radius: 6px;
    padding: 16px;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 12px;
    width: 100%;
}

.vip-mobile-icon img {
    width: 60px;
    height: auto;
}

.vip-mobile-text {
    color: #000000;
    font-size: 0.95rem;
    line-height: 1.4;
    text-align: center;
    margin: 0;
}

/* ───────────────────────────────────────────────────────────────── */
/* 7) VIP DESKTOP BANNER (<svg> + paragraph)                          */
/* ───────────────────────────────────────────────────────────────── */
/* 7A) Container */
.gold-bar {
    width: 100%;
    max-width: 1200px; /* match your ribbon width */
    height: 35px; /* exactly 30px tall, same as SVG version */
    background-color: #d4ad61; /* gold */
    margin: 0 auto; /* center it */
}

.gold-bar-footer {
    width: 100%;
    max-width: 1200px; /* match your ribbon width */
    height: 60px; /* exactly 30px tall, same as SVG version */
    background-color: #d4ad61; /* gold */
    margin: 0 auto; /* center it */
}

.vip-desktop-wrapper {
    position: relative; /* establish a stacking context */
    z-index: 0; /* base layer for everything inside */
}

/* ───────────────────────────────────────────────────────────────── */
/* 2) RIBBON WITH V‑CUT ENDS (uses clip-path polygon)                */
/* ───────────────────────────────────────────────────────────────── */
.ribbon-wrapper {
    position: relative; /* establish its own stacking context */
    z-index: 1; /* layer 1: the green ribbon will paint here */
    width: 100%;
    max-width: 1200px;
    height: 50px; /* height of the green band */
    margin: 0 56px; /* center it horizontally */
    overflow: visible; /* so that the circle (child) can overflow upward */
    bottom: 15px; /* your existing offset */
}

.ribbon {
    padding: 15px;
    height: 45px;
    background: #255231;
    clip-path: polygon(100% 0, 95% 50%, 100% 100%, 0% 100%, 5% 50%, 0% 0%);
    font-family: "font_condensed";
    text-transform: uppercase;
    color: #dddeda;
    letter-spacing: 0.18em;
    font-size: 50px;
    display: flex;
    justify-content: center;
    align-items: center;
    width: 80%;
    max-width: 600px;
    z-index: 1;
}

/* ───────────────────────────────────────────────────────────────── */
/* 2A) TEXT ON RIBBON: “YOU DESERVE TO” & “BE REWARDED”              */
/* ───────────────────────────────────────────────────────────────── */
/* We’ll absolutely position them so each sits in its half of the ribbon. */
.ribbon-text-left,
.ribbon-text-right {
    position: absolute;
    top: 50%;
    transform: translateY(-10%);
    color: #ffffff;
    font-family: Arial, sans-serif;
    font-size: 18px;
    font-weight: 600;
    white-space: nowrap;
}

/* Left‐side text centered at ~ 25% of the width (600×0.25 = 150); 
   but since we max‑width the wrapper at 1200px, we use 400px from left. */
.ribbon-text-left {
    left: 19.33%; /* effectively (1200 * 0.3333) = 400px */
    transform: translate(-50%, -50%); /* center horizontally & vertically */
    letter-spacing: 1px;
}

/* Right‐side text at ~ 75% of width (1200 * 0.6667 = 800px from left) */
.ribbon-text-right {
    left: 63.67%;
    transform: translate(-70%, -50%);
    letter-spacing: 1px;
}

/* ───────────────────────────────────────────────────────────────── */
/* 2B) CIRCLE + CURVED TEXT (we embed a small 120x120 SVG)          */
/* ───────────────────────────────────────────────────────────────── */
.ribbon-circle {
    position: absolute; /* so it can overlap both the gold bar and the ribbon */
    left: 41%;
    top: 50%;
    transform: translate(14%, -100%);
    width: 80px; /* same as SVG viewBox width */
    height: 90px; /* same as SVG viewBox height */
    margin-top: 10px; /* lifts the circle up slightly so half overlaps the gold bar */
    z-index: 2; /* layer 2: circle and curved text sit above the ribbon */
}

/* Make the SVG fill its container exactly */
.circle-svg {
    width: 100%;
    height: 100%;
    display: block;
}

/* ───────────────────────────────────────────────────────────────── */
/* 3) PARAGRAPH BELOW (immediately touches ribbon with no gap)      */
/* ───────────────────────────────────────────────────────────────── */
.vip-banner-paragraph {
    background-color: #ffffff;
    width: 100%;
    max-width: 1200px;
    margin: -50px 0px; /* center horizontally */
    text-align: center;
    padding: 60px 24px; /* 16px vertical, 24px horizontal padding */
    box-sizing: border-box;
}

.gold-bar-footer p {
    margin: 0;
    width: 100%;
    color: #000000;
    text-align: center;
    font-size: 15px;
    font-weight: bold;
    line-height: 1.0;
    padding: 15px 25px;
}

/* ───────────────────────────────────────────────────────────────── */
/* 4) MEDIA QUERY (Mobile <992px)                                   */
/* ───────────────────────────────────────────────────────────────── */
@media (max-width: 991.98px) {
    /* Hide the desktop ribbon entirely on small screens */
    .vip-desktop-wrapper {
        display: none;
    }
    /* You can place your .vip-mobile-card (circle + text) here in a separate block */
}

/* ───────────────────────────────────────────────────────────────── */
/* 8) MEDIA QUERIES                                                    */
/* ───────────────────────────────────────────────────────────────── */
/* 8A) DESKTOP (≥992px): two‑column + white benefit cards             */
@media (min-width: 992px) {
    .hero-grid {
        flex-direction: row;
        align-items: flex-start;
        gap: 0;
    }

    .hero-left {
        width: 50%;
    }

    .hero-separator {
        display: block;
    }

    .benefit-card {
        background-color: #ffffff;
        margin-bottom: 8px;
    }
}

/* 8B) MOBILE (<992px): hide divider + transparent benefit cards       */
@media (max-width: 991.98px) {
    .hero-separator {
        display: none;
    }

    .benefit-card {
        background-color: transparent;
        padding: 8px 0;
        gap: 8px;
    }
}

@media (min-width: 992px) {
    .mobile-only {
        display: none !important;
    }
}

/* ───────────────────────────────────────────────────────────────── */
/* Style for the “green-mobile-card” on small screens               */
/* ───────────────────────────────────────────────────────────────── */
.green-mobile-card {
    background-color: #7c9582;
    border-radius: 6px;
    color: #ffffff;
    padding: 24px 20px 16px 20px;
    margin-bottom: 16px;
}

@media (max-width: 991.98px) {
    .green-mobile-card .hero-title,
    .green-mobile-card .hero-subtitle {
        text-align: center;
    }

    .green-mobile-card .hero-right {
        display: flex;
        flex-direction: column;
        align-items: center;
        gap: 12px;
    }

    .green-mobile-card .benefit-card {
        display: flex;
        align-items: center; /* vertically center icon & text */
        justify-content: flex-start;
        gap: 12px; /* space between icon and text */
        width: 100%; /* fill the green-card width (minus its padding) */
        margin: 0; /* pills stack flush with no extra side offsets */
        padding: 8px 0; /* vertical breathing room */
        margin-left: 25%;
    }

    /* Make sure the icon retains its size */
    .green-mobile-card .benefit-icon {
        flex-shrink: 0;
        width: 32px;
        height: 32px;
    }

    /* Stack & centre your two‐line text blocks */
    .green-mobile-card .benefit-text-wrapper {
        display: flex;
        flex-direction: row;
        align-items: center;
        justify-content: flex-start;
        white-space: normal;
    }

    /* White, centred text */
    .green-mobile-card .benefit-text {
        color: #ffffff;
        text-align: left;
        margin-left: 20px;
    }

    .green-mobile-card .benefit-subtext {
        color: #ffffff;
        text-align: left;
        margin-left: 5px;
    }

    /* Pull the sub‐line a little closer */
    .green-mobile-card .benefit-card:nth-child(3) .benefit-text-wrapper {
        white-space: nowrap;
    }
}

/* ───────────────────────────────────────────────────────────────── */
/* Simple white divider for mobile green card                        */
/* ───────────────────────────────────────────────────────────────── */
.mobile-divider {
    border: 1px solid #ffffff;
    margin: 16px 0;
}

@media (max-width: 991.98px) {
    /* 1) Make the entire “hero‐card” a bit narrower by reducing the width of its parent container */
    .hero-content {
        width: 95%; /* instead of 90%, we use 95% so the card itself doesn’t stretch edge-to-edge */
        max-width: 400px; /* force a smaller max‐width on phones (you can tweak this to taste) */
        margin: 0 auto; /* center it horizontally */
    }

    /* 2) Give the green card extra left/right padding inside */
    .green-content {
        padding: 24px 24px 16px 24px; /* top 24px / left/right 24px / bottom 16px */
    }

    /* 3) (Optional) If you also want the “Apply Now” button to be centered instead of offset */
    .btn-apply-now {
        margin-left: auto;
        margin-right: auto;
    }
}

.hero-title {
    color: #ffffff !important;
}

/* Center the Apply Now button’s text */
.btn-apply-now {
    text-align: center;
}